Unity flattens BharatPe card's earn grid — 2% across all bands

Unity Small Finance Bank has changed the earn grid for the BharatPe card. The ₹1-₹999 band now earns 2% instead of 0%, and the ₹1,000-₹9,999 band earns 2% instead of 1%. The ₹10,000 and above band still earns 2%. The change is effective from 14 August 2025. The old ladder charged the smallest spenders the most, paying literally nothing on a bill under ₹1,000 and 1% up to ₹9,999, so the advertised 2% only ever arrived on a ₹10,000 bill. Flattening it removes the minimum entirely. That matters more than the headline suggests on this particular card, because the ₹1-₹999 band is the ONE band that does not convert to the automatic 24% APR instalment plan — it is billed in full and repaid on the due date. Before 14 August 2025 the only interest-free spend on the card earned zero; since then it earns the full rate, which makes roughly ₹240 a year the honest ceiling on what this card pays a holder who refuses to borrow. Everything above ₹1,000 still earns 2% only as the EMI instalments are repaid, and coins on any amount you foreclose early are still forfeited. Unity announced none of this — the change is dated by the effective-date column on its own page and reproduced in the Key Fact Statement’s flat 2% table. Our take: the change is a minor improvement for small spenders, but the card still has limitations, such as forfeiting coins on early foreclosure. If you use the card for small spends, you may see a slight increase in rewards, but it’s still not a top earner. The honest ceiling on what this card pays a holder who refuses to borrow is roughly ₹240 a year. Keep the card if you already have it, but don’t apply for it expecting high rewards. The change is not significant enough to make a big difference in your rewards earnings.